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I've hit a wall. A realization. The point in my life where I have realized how bad I was with money. It started with my tracking my spending for a week. It was ugly. Then came a big time in my life...refinance. We got one of those variable rate loans...you know the ones...where your interest rate blows up after two years?

Well, we are about 8 months from that point. So I go out and look for refinance options. Get lots of great schpiels, quick talking salesman, but that's about it. I can not get help getting refinanced. "Your scores are too low," they tell me.

It's horrible. I feel like crap now. I even left work just so I could come home to mull around. Our house payment is about to go up. I've seen a lot on the news about sub-prime problems, and I never really understood what it was all about. But now I do. It's about ME!

Am I in danger of losing my house? No. Not even close. But we are living paycheck to paycheck right now and I don't like the fact that I don't know where my mortgage will be in a year.

So now I feel like I'm back at Square One, with nowhere to go, and no idea what to do. I submit my plight to you, readers. What would you do in my position? I'm all ears.

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saown.tait

Home refinancing is a good option to save our fund over interest costs. By considering the interest rate on our home financial package, we can figure out that applying home refinancing actually reduces our monthly payment, and the total cost of our home.